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| Feature | Standard Chartered India Standard Chartered Smart Credit Card | IDFC FIRST Bank IDFC FIRST EA₹N Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Standard Chartered India | IDFC FIRST Bank |
| Network | Visa | RuPay |
| Annual fee | ₹499 + GST per year | ₹499 + GST per year |
| Annual fee waiver | At ₹1,20,000 annual spending | At ₹1,00,000 annual spending |
| Base reward rate | 1% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Online shopping | 2% · Eligible online cashback | 0.5% · IDFC app UPI cashback |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Online cashback: ₹1,000/statement cycle · Other eligible cashback: ₹500/statement cycle | Total statement cashback: ₹500/statement cycle |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 0% |
| Monthly income requirement | Not listed | Fixed-deposit backed |
| Terms verified | 24 Sept 2026 | 24 Sept 2026 |
| Best suited to | Online shoppers who want straightforward cashback without relying on named merchants. | First-card users who prefer IDFC FIRST Bank and want UPI plus a modest movie benefit. |
| Main trade-off | The broad questionnaire cannot distinguish online versus offline execution inside every category, so only the online-shopping category receives 2%; other categories use the conservative 1%. Cashback redemption starts at ₹2,500 and then uses ₹1,000 increments. | The 1% rate requires the bank app, cashback is capped at ₹500 per statement cycle, and all cashback for a cycle is forfeited if the minimum amount due is not paid by the due date. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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